现代国际贷款合同知识

1、 .PAGE39 / NUMPAGES39 HYPERLINK :/ 国际贷款合同适用贷款人本协议由ABC公司（简称为“借款人”或“借款方”），国公司，与信贷银行（简称为“银行”），国家银行机构，于日订立。This ACREEMENT entered into as Of_，_， betweenABCcompany，aNameOfCountrycompany（the Borrower）andBANK，NA.，anationslbanking aSSoCia“On Of the Un“ed StateS Of（the“Bank”）此证：WITNESSETH：鉴于借款人已向银行要求基于本协议规定的

2、条件和款项，向借款人提供一笔本金为美元（US$）的定期贷款；WHEREAS，the Borrower has requested the Banktoextend to 1the Borrower a term 10an in theprincipalamount OfUnited States Dollars（US$）upon the terms and subject to theConditiohS Of this Agreement；and鉴于银行已准备基于本协议规定的条件和款项，向借款人提供此项定期贷款；WHEREAS，theBankispreparedtomakeSUChaloan

3、 aVailabletotheBorroweruponthetermsandsubjecttothe conditions Of this Agreement；据此，以双方相互承诺为对价，就下述容达成一致：NOW，THEREFORE，incOnSidera“onofthe mutual promises Contained therein，the par“es agree as f0110ws：第一条定义Article 1DefinitonS11基于本协议之目的，下列词语可定义为：Section11FOrthePurposesOfthisAgreement，the following expr

4、essions have the meanings set fonh below：“营业日”指位于和的银行开始正常银行业务的任何一天，以与同业银行拆借市场进行美元拆借交易的任何一天。Business Day:any day on which banks are open to conduct theirregularbankingbusinessin，england，andLos Angeles，andonwhichdealingsinDOllardeposits between banks are carried out in theinterbank market;“承诺”：指银行在本协议

5、生效日即承担向借款人贷款的义务。Commitment: the obligation of the Bank to make the loan to the Borrower on the date hereof;“信贷”；指位于的信贷银行的国际分部。Credit: Credit Bank， International Division，;“美元”：与“$”符合，指美利坚合众国的法定货币与本协议项下所有支付有关的现汇。Dollars and the sign $ : lawful money of the United States of America and ， in relation t

6、o all payments hereunder， immediately available funds;“违约事件”：指依本协议第八条中所列举的所有事件。Event of Default: any of the events specified in Article Vlll of this Agreement;“担保人”：指银行。Guarantor:Bank Limited;“负债”：任何人或借款人的负债是指依据国通常接受的会计准则所包括的在债务被确认之日该人或借款人之资产负债表负债一侧所表明的确定负债的全部债务项目，其也包括其他被承继或被担保的，或属借款人次要或偶发的债务（有别于在托收

7、过程中文件背书）在的债务与负债，无论是源于任何协议所引起的负债，或是提供款项与预付款项或其他方式引起的负债均属此围。Indebtedness: of any Person， or the Borrower， means all items of indebtedness which， in accordance with generally accepted accounting principles in Name of Country Would be included in determining liabilities as shown on the liability side of

8、 a balance sheet of such Person or the Borrower as of the date indebtedness is to be determined ， and shall also include all indebtedness and liabilities of others assumed or guaranteed or in respect of which the Borrower is secondarily or contingently liable （other than by endorsement of instrument

9、s in the course of collection）， whether by reason of any agreement to acquire such indebtedness or to supply or advance sums or otherwise;“分期付款日”：指根据41的规定自协议生效之日起达到18个月，24个月，30个月，36个月，42个月，48个月，54个月和60个月之日。Installment Payment Dates: subject to Section 4.1， the dates which are eighteen months， twenty

10、-four months， thirty months，thirty-six months， forty-two months， forty-eight months， fifty-four months and sixty months from the date hereof;“付息日”：是指每一个计息期的最后一日。Interest Payment Date: the last day of each Interest Period;“计息期”：指自协议生效日起个月之后止的一段期间，每一计息期自上一计息期最后一日始，到借款人所选择的三个月后或六个月后止，但是（I），如果每一计息期的最后一日

11、不是银行营业日者，则顺延到下一营业日，或（II）假若一个计息期早于或晚于分期付款日开始或截止，则计息期将在该分期付款日结束。Interest Period: the period commencing on the date hereof and ending on the day which is_ months after such date， andeach period thereafter beginning on the last day of the immediately preceding Interest Period and ending on the day which

12、 is three months or six months after such date， as the Borrower may elect;provided， however， that （ I ） any Interest Period which would otherwise end on a day which is a Business Day shall be extended to the next succeeding day which is a Business Day ， and （ I ） any Interest Period commencing befor

13、e and which would otherwise end after an Installment Payment Date shall end on such Installment Payment Date;“利率”指依24、26和27中规定，或另有规定的利率。Interest Rate: the rate of interest to be determined as provided in sections 2.4， 2.6and 2.7， as the case may be:“贷款机构”：是指国际银行机构，或根据其意愿随时指定的分行、分理处、分支机构或支行：贷款将自此类机构发

14、放，且未偿付与全部偿付款项亦由此类机构收取。Lending Office: the International Banking Facility of the Bank， or such other branch， office， affiliate or subsidiary of the Bank as it may at its discretion from time to time designate， from which the Loan will thereafter be made and for the account of which the Loan will be o

15、utstanding and all payments hereunder will be made；“贷款”：指依本协议21款规定由银行向借款人发放的贷款。Loan: the loan made by the Bank to the Borrower pursuant to Section 2.1 hereof;“票据”：指由借款人开业以银行为指定付款的依附录A基本容的期票，其证明因银行依本协议向借款人发放贷款而产生的借款人对银行的负债。Note: the promissory note of the Borrower to the order of the Bank in substant

16、ially the form of Exhibit A hereto， evidencing the indebtedness of the Borrower to the Bank resulting from the Banks Loan to the Borrower;“人”，指任何自然人、公司、商号、团体、政府、政府机构或除借款人以外的任何以个人、团体或其他名义的实体。Person: any natural person， corporation， firm， association，overnment ， governmental agency or any other entity

17、 other than be Borrower and whether acting in an individual， fiduciary or other pacity.第二条贷款Article 2The Loan21承诺Section 2.1 The Commitment.根据本协议规定的条件和款项并基本借款人作出的述与保证，银行同意通过其贷款机构借出，且借款人也同意借人本金为万美元（$）的贷款。Upon the terms and subject totheconditionshereinsetforth，andrelyinguponthe representations and wa

18、rranties of the Borrower， the Bank agrees， acting through its Lending office; on the date hereof to lend to the borrower， and the Borrower agrees to borrow， the principal amount ofDollars （$）.22释放Section2.2Disbursement.自协议生效之日起，依协议第六条规定，银行应向借款人在纽约指定的账号汇入协议约定的数额款项。如借款人未能完成第六条中规定的贷款先决条件，则银行无义务提供此项贷款。O

19、nthedatehereof，upon fulfillment of the conditions set forth in Article VI， the Bank shall make the amount of the Loan available to the Borrower by remitting the amount of the Loan to an account in New York designated by the Borrower， If the Borrower fails to satisfy the conditions precedent set fort

20、h in Article VI 1， the Bank shall be obligated to make the Loan.23还款、支付利息与计息期的确定Section 2.3Repayment; Payment of Interest; Designation of Interest Period.借款人同意依照协议规定的利息率，在付款日，分八期偿还贷款本金。借款人应就其选择三个月或六个月利息期的结果，在利息期偿付之前5个营业日（第一个利息期除外），通知银行。如果银行未收到上述通知，则下一利息期的长度与上个一样；假若一个计息期早于或晚于分期付款日开始或截止，则计息期将在该分期款日结束。

21、The Borrower agrees to repay the principal amount of the Loan on the installment Payment Dates in eight equal installments and to pay interest on each interest Payment Date on the outstanding principal balance of the Loan at the Interest Rate. The Borrower shall give notice to the Bank not less that

22、 five Business Days prior to the commencement of each interest Period （other than the first Interest Period） whether it has elected an Interest Period of three months or six months. If no such notice is received by the Bank， the relevant interest Period shall be the same length as the previous Inter

23、est Period; provided， however， that an interest Period commencing before and which would otherwise and after an installment Payment Data shall end not such installment Payment Date.24利率的确定Section 2.4Determination of interest Rate.依照协议规定每一计息期的利息应为百分之（），此利率加该计息期偿付前两日，时间11：OOAM，同业银行拆借市场的利率。The interest

24、 Rate for each interest Period with respect to the Loan shall bepercent （%） above the rate at which Dollar deposits in an amount equal to the principal amount of the Loan to be made or maintained are offered by the Bank for such Interest Period to prime banks in the London interhank market as of 11:

25、 00A. M.（time ）twoBusinessDayspriortothe commencement of such Interest Period.25票据Section 2.5 The Note.借款人偿还本金的义务应由借款人的期票证明，其基本格式应参照附录A，并符合本条（25）的规定。票据应（1）以本协议的生效日期为期票出具日期；（）依银行指令支付与贷款本金相等的款项；（）分为相等的八期，每一期在分期付款日到期；（N）依规定利率偿付到期未付的本金部分的利息，依每一计息期在付息日偿付。The Borrowers obligation to reply the principal am

26、ount of the Loan made by the Bank hereunder shall be evidenced by a note of the Borrower in the form of Exhibit A to this Agreement with appropriate in sections pursuant to this Section 2.5. The Note shall （ I ） be dated the date hereof， （ II ） be payable to the order of the Bank in the principal am

27、ount of the Loan， （ III ） mature in eight equal installments， payable on the Installment Payment Dates and （IV） bear interest at the interest Rate on the outstanding principal balance thereof from time to time， computed for each Interest Period and payable on the Interest Payment Dates.26替代基础Section

28、 2.6Substitute Basis.在利率是依24款规定确定时，（1）银行应确定利率已定而本金尚未偿付的那一期利息期的美元无法在伦敦同业银行市场上拆借到或（），在某一确定利息期，其原先规定的利息，即从伦敦同业银行拆借的利息无确反映银行的费用时，银行应在该计算期生效第一天之前至少一个营业日，以电传、电报或方式、将银行作出的决定通知借款人。在此通知后的天，银行和借款人应通过友好会谈确定一个双方都能接受的基础（简称为“替代基础”）。如果在此通知后的天银行划款人商定了替代利率，该利率应具有追溯力且自该利息期的第一天起生效。如果在此通知后的天，银行和借款人未能就替代利率达成一致，银行应以书面形式向

29、借款人出具一份银行为获得该利利期贷款所应负担利息的文件，应当明确的是银行的利息率应与的一样，上述利息若确实影响了银行筹集该利息期贷款的费用，则新利率自该利息期的第一天起就有效。银行应向借款人提供其获得贷款的途径与为获得此贷款而支付费用的证明。在收到银行有关利息率或为获得贷款而支付的利息的通知后，借款人有权依据47的规定，将贷款和本票未支付的本金的全部（不是部分），加上自此预付日起计算的利息，一次性地先行偿付银行。In the event that on any date on which an Interest Rate is to be determined pursuant to Sect

30、ion 2.4， （ I ） the Bank shall determine that Dollar deposits in the principal amount of the Note to be outstanding for the interest Period for which such interest Rate is to be determined are not available to the Bank in the London interbank market， or （ II ） the Bank shall determine that the offere

31、d rate quotations at which Dollar deposits are offered in the London interbank market do not accurately reflect the cost fo the Bank of making maintaining the Loan for such interest period， the Bank shall forthwith give notice of such determination to the Borrower， by telex， telegram or cable at lea

32、st one Business Day prior to the first day of any interest Period so affected. During the thirty （） days next succeeding the date of any such notice， the Bank and the Borrower shall enter into negotiations in good faith in order to arrive at a mutually acceptable alternative basis （such alternative

33、basis being hereinafter referred to as the Substitute Basis） for funding the Loan. If within the thirty （） days following the date of any such notice the Bank and the Borrower shall agree upon a Substitute Basis， such Substitute Basis shall be retroactive to and effective from the first day of the t

34、hen current Interest Period. If after thirty （） days from the date of such notice the Bank and the Borrower have failed to agree upon a Substitute Basis， then the Bank shall certify in writing to the Borrower the interest rate or rates at which the Bank is prepared to make or maintain the Loan for s

35、uch interest Period， it being understood that the Banks interest rate shall be a rate per annum equal to one and one-half percent （%）， above a rate which adequately and fairly reflects the cost to the Bank of obtaining the funds necessary to maintain the Loan for the then current Interest Period， su

36、ch interest rate or rates to be retroactive to and effective from the first day of such interest Period. The Bank shall furnish to the Borrower appropriate evidence establishing the manner in which the Bank obtained such funds and the cost to the Bank of obtaining such funds. Upon receipt of notice

37、of the interest rate or rates at which the Bank will make or maintain the Loan， the Borrower shall have the right to prepay in full （but not in part），pursuant to the provisions of Section 4. 7， the then outstanding principal amount of the Loan and the Note， together with interest accrued therein to

38、the date of such prepayment.27过期未付本金的利息率Section 2.7 Interest Rate on Overdue Principal.在借款人未能偿还根据贷款合同和本票的规定应偿还的款项时，借款人应根据要求向本票持有人支付利息，利息从应付款日起计算，到实际付款日止。每一年的利率以下列中较高的为准：（1）在借款人未能按期偿付本息的利息期的上一利息率的基础上再加上个百分点（），或（）在借款人未能偿付之日的同业银行拆借市场上的上午，主要银行所出具的贷款利率报价的基础上再加个百分点（）。银行应以正确的书面方式或电传通知借款人确定的利息。在不损害本条规定的银行的权

39、利以与准据法允许的前提下，借款人同意补偿银行因为借款人不与时偿还贷款或本材料规定的本金或利息，或其他费用，如银行为遵守出贷承诺或为获得贷款款项而产生的损失。为此，银行应出具一份标明损失和费用的证书。In the event of failure by the Borrower to pay when due （whether upon stated maturity . by acceleration or otherwise）any payments due under the Loan or the Note， the Borrower shall pay interest， to be

40、paid upon demand， to the holder of the Note on the unpaid amounts from the date such payments were due to the date of actual payment， （before as well as after judgment） for each day at a rate peranrum equal to the higher of （ I ）percent （%） above the Interest Rate applicabletotheLoanfortheInterestPe

41、riodimmediately preceding the failure by the Borrower to pay or （ I ）percent （%）above the rate at which Dollar deposits were offered by the Bank in the amount outstanding for a one month period to prime banks in the London interhank market as of. （time ）on the date of such failure by the Borrower to

42、 pay and on the first Business Day of each succeeding one month period thereafter. The Bank shall give prompt written or telex notice to the Borrower of the Interest Rate in effect from time to time in accordance with the foregoing sentence. Without prejudice to the rights of the Bank under this Sec

43、tion and to the extent permitted by applicable law， the Borrower agrees to compensate the Bank for any loss or expense which the Bank may sustain or incur as a consequence of the Failure by the Borrower to pay when due any portion of the principal of or interest accrued on the Loan or the Note， or a

44、ny other amount payable hereunder， including but not limited to any amounts payable by the Bank in order to honor its Commitment or make or maintain the Loan. A certificate of the Bank setting forth the basis for the determination of the amounts necessary to compensate the Bank as aforesaid in respe

45、ct of such loss or expense shall be conclusive as to such determination and such amounts.28计算、终局决定Section 2.8 Computation; Determination Conclusive.所有偿付的利息以360天为一年，按实际用款天数计算。银行对每一期利息率的确定都对各当事方有约束力。All payments of interest shall be computed on the basis of a year of 360 days for the actual number of

46、days involved. Each determination of anyInterestRatebytheBankshallbeconclusiveand bindingon the parties hereto （ save for manifest arithmetic error）.29收入的利用Section 2.9Use of proceeds.（a）贷款收入应用作（确定用途）。（a）The proceeds of the Loan will be used to finance aspecify purpose.（b）银行提示借款人，借款人确认其了解根据美国联邦储备系统管理

47、委员会的政策，国际货款只能资助美国以外的非美籍企业。借款人确认贷款收入将只被用于资助美国以外的业务。（b）The Bank hereby notifies the Borrower， and the Borrower hereby acknowledges that it understands， that it is the policy of the Board of Governors of the Federal Reserve System of the United States of America that extensions of credit by internation

48、al banking facilities may be used only to finance the non- United States operations of a customer located outside the United States of America. The Borrower acknowledges that the proceeds of the Loan will be used solely to finance its operations outside the United States of America.第三条信用证Article 3Le

49、tter of Credit31信用证Section 3.1Letter of Credit.为支持并担保借款人履行本合同与本票项下的义务，担保人应按照附录2（保函”）的格式向银行出具一份备用信用证。该保函的金额应为，且有效期应到偿付贷款日后一个月的第一天为止。The performance by the Borrower of its obligations hereunder and under the Note shall be supported and guaranteed by a standby letter of credit issued to the Bank by the

50、 Guarantor in the form of Exhibit B hereto （the Guaranty）. Such Guaranty shall be in the Amount of and shall not expire prior to the date which is one month after the final installment Payment Date.第四条付款Article 4Payments41付款Section 4.1 Payment.根据合同和本票的规定，借款人对应向银行偿付的贷款不得抵销、反诉并可自由兑换，付款应向洛杉矶的贷款机构支付，不迟于

51、当地时间（时间）上午10：00。一旦应付款日为非营业日，则自动顺延到该日后的第一个营业日。在计算利息和金额时应包括这一日和下一个营业日。All payments made by the Borrower under this Agreement or the Note shall be made to the Bank without setoff or counterclaim and in freely transferable United States Dollars no later than 10:00 a.m.（time） at CrockerLosAngelesfortheac

52、countoftheLending Office. Whenever any funds are due t be paid on a day which is not a Business Day，the date for the making thereof shall be extended to the next succeeding Business Day. Interest or any other amounts due hereunder shall be computed on the basis of the number of days elapsed until an

53、d including such succeeding Business Day.42以美元付款的义务Section 4.2 Obligation to Make Payments in Dollars.根据本合同和本票规定，应由借款人偿付的本金和利息应以美元支付，而无论若干何种法律、规则或制度，也无论是现有的或根据任何管辖权将可能会影响此项义务的履行。此义务也可通过偿付或诉讼方式予以保护。此项以美元付款日的义务应是通过诉讼可以强制执行的，并且不受其他裁决的影响。The obligation of the Borrower to repay the principal of and inter

54、est on the Loan and the Note， together with interest thereon， pursuant to the terms of this Agreement and of the Note， and the obligation of the Borrower to pay all other amounts under this Agreement， shall be dischargeable only by payment in Dollars， regardless of any law， rule， regulation or statu

55、te， whether now or hereafter in existence or in effect in any jurisdiction which affects or purports to affect such obligation. The obligation of the Borrower to make payment in Dollars of the principal of and interest on Loan and the Note shall not be discharged or satisfied by any tender， or any r

56、ecovery pursuant to any judgment， which is expressed in or converted by the Bank to any currency other than the full amount of Dollars expressed to be payable in respect of the principal of and interest on the Loan and the Note and all other amounts due hereunder. The obligation of the Borrower to m

57、ake payments in Dollars as aforesaid shall be enforceable as an alternative or additional cause of action for the purpose of recovery in Dollars in the amount （if any） by which such actual receipt shall fall short of the full amount of Dollars expressed to be payable in respect to the principal of o

58、r interest on the Loan and the Note and all other amounts due hereunder， and shall not be affected by judgment being obtained for any other sums due under this Agreement or the Note.43借款人部分提前付款的权利Section 4.3Borrowers Right to Partial Prepayment.在任一利息支付日，借款人有权在提前天以书信或电传通知（不可撤销的通知）银行后，有权将本金和利息，部分地或全部的

59、提前偿还。每一部分的预先偿还额应不少于美元，且按倒序偿还。提前偿还部分不得再借用。The Borrower shall have the right on not less than thirty （） Business dayswritten or telex notice （which notice shall be irrevocable） to the Bank specifying the amount and date of prepayment ， to prepay the Loan in full or in part， together with accrued inter

60、est thereon， on any Interest Payment Date. Each partial prepayment shall be in integral multiples ofand shall be applied first to unpaid installments of principal of the Loan in the inverse order of maturity thereof. The amounts so prepaid may not be reborrowed hereunder.44补偿Section 4.4 Reimbursemen